<p>We are OOS and my D does not have a PNC account. Her bank is here at home. But, she has free ATM withdrawals from any bank’s ATM (up to five per month free)and she can use her debit card anywhere and even get cash back that way for free. We figured if she needed to use an ATM more than once per week, something is wrong with her budgeting skills! So depending on your home bank, a PNC account may not be necessary. It has worked out very well for us so far. </p>
<p>Don’t forget that you can add $$ to their Panther funds any time, and that can be used at so many off-campus dining places. We ended up reducing her meal plan a lot this semester b/c of so many unused meals. And if you don’t want to have to worry about losing Dining Dollars, use Panther funds.</p>